6 citations · 9 across the 3 of their papers we have counts for
3 papers
Assessment of creditworthiness models privacy-preserving training with synthetic data
Ricardo Muñoz-Cancino, Cristián Bravo, Sebastián A. Ríos +1
Credit scoring models are the primary instrument used by financial institutions to manage credit risk. The scarcity of research on behavioral scoring is due to the difficult data a…
On the dynamics of credit history and social interaction features, and their impact on creditworthiness assessment performance
Ricardo Muñoz-Cancino, Cristián Bravo, Sebastián A. Ríos +1
For more than a half-century, credit risk management has used credit scoring models in each of its well-defined stages to manage credit risk. Application scoring is used to decide…
On the combination of graph data for assessing thin-file borrowers' creditworthiness
Ricardo Muñoz-Cancino, Cristián Bravo, Sebastián A. Ríos +1
The thin-file borrowers are customers for whom a creditworthiness assessment is uncertain due to their lack of credit history; many researchers have used borrowers' relationships a…